Payday loan, title loan, or personal loan -- Problem when making payments -- Complaint #7304639
Complaint Overview
Complaint ID: 7304639
Company: Affirm Holdings, INC
Product: Payday loan, title loan, or personal loan
Sub-Product: Installment loan
Issue: Problem when making payments
State: Tennessee
ZIP Code: 37013
Date Received: 2023-07-25T12:00:00-05:00
Date Sent to Company: 2023-07-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I sent an email to Affirm on XXXX at XXXX am providing all the evidence for a disputed transaction with a fraudulent website. The Merchant Dispute Case ID was XXXX. I have not received a response for the completion of the dispute since XXXX. The loan # was XXXX, the date of the loan was XXXX, the amount of the loan is {$110.00}, and the Merchant was XXXX This Merchant was supposed to send 1 pair of XXXX XXXX shoes in the amount of {$99.00}. I used an Affirm virtual card to pay for the order. Attached is the Paid Invoice from XXXX XXXX. Instead of sending me the pair of shoes, they sent me a bag of rubber bands from XXXX. I have attached the photos of the package, the rubber bands, and the receipt proving I returned the rubber bands to XXXX. Unfortunately, XXXX could not tell me who the sender of the package was at their customer service in store. Affirm told me to contact the Merchant about this issue. However, when I tried to contact the Merchant on their website, I received an error message. The screenshot of the error message is attached. Additionally, on XXXX there is no phone number or mailing address to contact the Merchant, XXXX XXXX. Because Affirm has not completed the dispute, that loan is showing a late payment and I am unable to make that payment! The late payment in the amount of {$18.00} has caused me to no longer have purchasing power with Affirm although I am current on all my other loans with them and I have been an excellent customer! I find it frustrating because I have called them 3 times this week to follow up, and have supposedly been transferred to a supervisor, when I was in fact, disconnected! Today, XXXX, I did speak to someone who claimed he was a supervisor, yet he told me he had to escalate the information to another department, which he would not disclose, and he stated it would take an additional XXXX business days. I forwarded an email to them today requesting they complete the dispute. It is attached. Prior to this, I was told if you open a dispute with Affirm, the process takes XXXX days to complete. They have had the evidence since XXXX and I believe they are punishing me, the consumer, instead of providing adequate service by completing the dispute and restoring my purchasing power. The fraudulent website was not my fault and they are still showing I owe on this disputed loan, with a late payment due, which is unacceptable! Additionally, I made Affirm aware that I filed a complaint against the merchant with the Federal Trade Commission ( FTC. ) It is report # XXXX. This report is attached. There is no excuse for Affirm mistreating consumers like this! Please help me to get this dispute resolved and this loan removed from my Affirm loans that I am responsible for paying.
Frequently Asked Questions
What is Complaint #7304639 about?
Complaint #7304639 was filed against Affirm Holdings, INC regarding Payday loan, title loan, or personal loan specifically about Problem when making payments. It was received by the CFPB on 2023-07-25T12:00:00-05:00.
How did Affirm Holdings, INC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Payday loan, title loan, or personal loan) and describe your issue in detail.
Can I see other complaints against Affirm Holdings, INC?
Yes, visit the Affirm Holdings, INC company profile at readthecomplaint.com/company/affirm-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.